Tax Financing
Cover your tax liabilities without diminishing your company's liquidity.
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Improve cash flow
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Make financial planning easier
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Avoid surcharges or penalties for non-payment
Code of Best Practices for the renegotiation framework for customers having guaranteed financing.
Unicaja has endorsed to the Code of Best Practices for the renegotiation framework for customers having guaranteed financing envisaged in Royal Decree-Law 5/2021 of 12 March and approved by the Cabinet Resolution taken on 11 May 2021.
Short-term financing
We finance your business projects
Credit Accounts
The account that allows you to use your associated credit* for frequent expenses or payments.
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Two types of accounts: current or payment
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Fixed or variable interest rate
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Early repayment
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Total availability
Multiproduct Line
Unify your working capital financing* tools:
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One line, multiple solutions.
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Quick and easy paperwork.
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Flexibility.
Factoring*
A service that allows you to bring forward the amount of your invoices pending collection.
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Brings forward payment.
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Greater security and guarantee.
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More convenience.
Foreign Trade Facility
A line of credit* to tackle your foreign trade operations, with personalised limits and conditions.
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Financing for your operations
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Quick and instant
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Multi-Currency Option **
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Flexibility
Split Payment Loan*
Plan your company's day-to-day needs by splitting your tax payments.
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Liquidity for your business
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Planning for your accounts
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Up three months of financing
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Avoid surcharges
Advance on Debits
Manage your receivables under a single common system for the entire SEPA area. Suitable for individuals, companies and the self-employed.
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Liquidity when you need it
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Fixed or variable interest rate
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SEPA format standard
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Control through Digital Banking
Commercial Discount
Advance* the collection of receipts, bills of exchange and other commercial instruments typical of your business activity.
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Advance on collection
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Fixed or variable interest rate
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Online consultation
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Collection management
(*)
Concession subject to the bank's discretion.
(**)
The line is opened in euros but you may operate in any quoted currency. If the customer contracts a transaction in another currency, he or she may incur an exchange risk. To mitigate this, you can contract a forward or purchase and sale of foreign currency.
According to legislation, this product is deemed a payment method where certain conditions are met (settlement for physical delivery used to pay for identifiable goods outside the trading centre by a non-financial company). The forward deals we close with customers are adapted to these conditions and are therefore not deemed derivative instruments.
Unicaja is also
Your branch, online. Consult and carry out all your banking operations without worrying about opening hours or queues.
Your Unicaja accounts and products always at hand. Anytime, anywhere.
There's always a Unicaja branch and/or ATM near you to carry out your transactions.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).